Getting refunds on Unlawful Credit Card or Loan Agreements.

If you have taken out a credit card or loan agreement before April 2007 of up to £25,000 then this falls under Consumer Credit Act 1974. The provider has to hold the original agreement and to be able to provide you on demand an original copy of both the agreement and the original copy of the terms and conditions.

If these cannot be provided with certain statutory periods then the card or loan providers have breached the Act and have committed a criminal offence.Should this be the case you can then apply to have your debts with that provider written off!

Many of the card and loan providers are unable to comply and the Consumer Savings Bureau can arrange for you to receive immediate expert help and advice and can potentially assist you in getting these debts cancelled.

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